HIV antibody test cost in Saginaw, MI
In Saginaw, MI, 2 hospitals list a cash price for HIV-1 and HIV-2 antibody test: from $16.10 to $16.88, with a median of $16.49. The lowest listed price is at Covenant Medical Center — $0.39 less than the median here. Across Michigan, the median is $51.52 at 53 hospitals.
Cash prices at 2 facilities across 2 cities for code 86703, as an outpatient — the setting a self-pay patient normally buys. Collected Sep 27, 2026; the hospital files themselves were last updated between May 15, 2026 and May 15, 2026.
Where each hospital's price falls
Each dot is one hospital's cash price on a scale from the lowest to the highest in Saginaw, MI.
Hospitals, cheapest first
| Hospital | Cash price | List price | Insurers pay | Off list | File date |
|---|---|---|---|---|---|
| Covenant Medical Center lowest Saginaw, MI · (989) 583-6000 Antibody Hiv-1&Hiv-2 Single Result | $16.10 | $23.00 | $10.35–$23.90 | 30% | May 15, 2026 source file |
| Covenant Medical Center Cooper Saginaw, MI HCHG HIV 1,2 COMBINED ABS W/RFLX TO HIV 1 CONFIRM BY WET | $16.88 | $24.11 | $7.17–$26.46 | 30% | May 15, 2026 source file |
| Covenant Medical Center Saginaw, MI · (989) 583-6000 HCHG HIV 1,2 COMBINED ABS W/RFLX TO HIV 1 CONFIRM BY WET | $16.88 | $24.11 | $7.17–$26.46 | 30% | May 15, 2026 source file |
| Covenant Medical Center Cooper Saginaw, MI HCHG HUMAN IMMUNODEFICIENCY VIRUS (HIV) 1 & 2 ANTIBODY DX | $88.90 | $127.00 | $7.17–$114.30 | 30% | May 15, 2026 source file |
| Covenant Medical Center Saginaw, MI · (989) 583-6000 HCHG HUMAN IMMUNODEFICIENCY VIRUS (HIV) 1 & 2 ANTIBODY DX | $88.90 | $127.00 | $7.17–$114.30 | 30% | May 15, 2026 source file |
| Covenant Medical Center Cooper Saginaw, MI HCHG HUMAN IMM-DEF VIRUS | $107.80 | $154.00 | $7.17–$138.60 | 30% | May 15, 2026 source file |
| Covenant Medical Center Saginaw, MI · (989) 583-6000 HCHG HUMAN IMM-DEF VIRUS | $107.80 | $154.00 | $7.17–$138.60 | 30% | May 15, 2026 source file |
| Covenant Medical Center Cooper Saginaw, MI HCHG HIV 1 & 2 DIAGNOSTIC | $107.80 | $154.00 | $7.17–$138.60 | 30% | May 15, 2026 source file |
| Covenant Medical Center Saginaw, MI · (989) 583-6000 HCHG HIV 1 & 2 DIAGNOSTIC | $107.80 | $154.00 | $7.17–$138.60 | 30% | May 15, 2026 source file |
Outpatient: lowest $16.10, median $16.49, highest $16.88.
As an inpatient, the same code is billed by 2 facilities here, median $16.49. Inpatient and outpatient prices are not comparable and are kept on separate pages: the inpatient charge covers admission, not the same purchase.
Cash or insurance?
At 2 of 2 hospitals that publish insurer rates for this code here, the cash price is below the highest rate a health plan has negotiated, and at none is it below every plan's rate. If you have insurance but have not met your deductible, you usually pay your plan's negotiated rate, which falls somewhere in the "Insurers pay" column. Paying cash can cost less, but a cash payment usually does not count toward your deductible. Ask the hospital for both numbers before you book.
What it is
This test looks for antibodies to HIV-1 and HIV-2. Many rapid HIV tests use this code.
What the price covers
The price usually covers running the test. The blood draw (36415) is often billed as a separate line.